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Horizon is a community bank serving Northern and Central Indiana, Central and Southwest Michigan and Central Ohio. Our focus is to anticipate and fulfill customer needs with exceptional service and sensible advice. This philosophy is what has kept us growing stronger than ever since 1873.

Horizon is a community bank serving Northern and Central Indiana, Central and Southwest Michigan and Central Ohio. Our focus is to anticipate and fulfill customer needs with exceptional service and sensible advice. This philosophy is what has kept us growing stronger than ever since 1873.

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Schemes, Scams & Frauds

In the last decade cyber-frauds have arisen using increasingly sophisticated technologies…all aimed at
separating you from your money. Here is a review of today’s most prevalent frauds, with some advice for
keeping your private information secure.

PHISHINGis the criminal attempt to steal your personal information through fraudulent emails or smart-phone texts. They are often very believable, luring the victim to a site that asks them to provide (or “verify”) personal financial details such as account numbers and social security numbers. A variation is called Spear Phishing, which are electronic messages that appear to come especially to victims from their employer, usually a large corporation.PROTECT YOURSELF: Your financial institution will not send emails asking for your personal information—they already have it.

SMART PHONE TEXTING FRAUDS Cyber-security experts often call the text and mobile phone version of phishing Smishing, playing off the SMS, or Short message Service, terminology used in text messaging. Smart phone users are being increasingly targeted because these users almost always have their phone handy and tend to respond to texts and emails quickly. They may not realize the message is fake until too late. In addition, fake web sites can be harder to spot on a small screen.PROTECT YOURSELF: Be careful responding to “urgent” text messages, especially one from your financial institution...call and ask before responding. In all cases with text scams, use the same precautions as you would for a potential phishing scam.

SPYWARE is the term used for criminal software that a victim unknowingly loads on a personal computer. Once there, the spyware collects personal information and sends it to the criminal.PROTECT YOURSELF: Up-to-date security software is the best defense.